Seek Co-Applicants or Guarantors: Consider involving a co-applicant or a guarantor with a higher credit score to strengthen your loan application. A co-applicant shares the responsibility of loan repayment and can help increase the chances of approval. Similarly, a guarantor provides an additional layer of security for the lender, assuring them of loan repayment in case of default. This strategy is another valuable aspect to include in your home buying guide.

A low CIBIL score should not deter you from achieving your dream of owning a home. By following the strategies mentioned in this home buying guide, you can overcome the challenges associated with a low credit score. Remember, improving your credit score takes time, so be patient and persistent. With determination and the right approach, you can make your dream of homeownership a reality, regardless of your CIBIL score.